Capital On Tap Rewards Calculator (2026)
Free interactive calculator: enter your monthly UK business spend and instantly see your annual cashback, Avios value, free vs Rewards card break-even, and how Capital On Tap compares against Amex Business Gold, Revolut and Tide.
How the calculator works
The Capital On Tap Business Credit Card pays 1 point per £1 spent (= 1% cashback or 1 Avios at British Airways Executive Club, 1:1 transfer). The Capital On Tap Business Rewards Card pays 1.5 points per £1 spent for a £99/year fee. The calculator multiplies your annual spend by the relevant earn rate, applies your Avios redemption value, subtracts the annual fee, and compares against four other major UK business credit cards.
Worked examples
| Spend | Free card cashback | Rewards card net | Avios @ 2p (Club Europe) |
|---|---|---|---|
| £1,000/mo (£12,000/yr) | £120 | £81 | £240 |
| £2,500/mo (£30,000/yr) | £300 | £351 | £600 |
| £5,000/mo (£60,000/yr) | £600 | £801 | £1,200 |
| £10,000/mo (£120,000/yr) | £1,200 | £1,701 | £2,400 |
Break-even analysis
The Capital On Tap Business Rewards Card (£99/year, 1.5 points per £1) breaks even against the free Business Credit Card at £19,800 of annual spend. Above that, the Rewards card earns more net of the fee. If you redeem points as Avios at 2p+ per point on Club Europe or Club World flights, the break-even drops to roughly £10,000/year.